Do you offer virtual financial planning consultations?

Yes. We offer both in-person meetings at our Northlake office and secure virtual consultations for clients who prefer to meet online, so you can get advice from anywhere.

Do I have enough saved to be a client?

Our typical client has saved between $300k and $3M and plans to retire in the next 1–10 years. Many of our Northlake neighbors fall in that range. If you're close, let's talk — no judgment, just honest guidance.

How will my money be invested and guarded in a market crash?

We use a bucket strategy. Your growth bucket holds custom ETF/stock portfolios with dynamic guardrails, and your income bucket includes pensions, Social Security, and next-gen annuities if appropriate. These guardrails help throttle withdrawals when markets dip.

Monique Wynn — Retirement Allocation Options

Retire With Swan

Retirement Allocation Options — Monique Wynn

Monthly Income Target: $3,000 – $3,500

Starting Balance Walkthrough

Item	Amount	Notes
CD Maturity	$286,377	Available today
Pay off credit card	– $5,000	Eliminates ~$100/mo payment
Set aside for camper	– $18,000	Fully funds your purchase goal
Subtotal available to allocate	$263,377

Existing resources remain: ~$15,000 savings, ~$17,000 Modern Woodmen (unlocks in ~3 years), small retirement accounts.

$180k Annuity (Maximum Security)

Very Low Risk FIA w/ LTC Rider Dividend Equity

Allocation	Amount
Lifetime Income Annuity (FIA)	$180,000
Dividend Equity Portfolio	$68,000
Cash Reserve (liquid)	$15,377

Guaranteed Income (SS + annuity)	~$2,475/mo
% Needs Covered by Guarantees	~75–80%

Why choose this?

Maximum sleep-well paycheck; least reliance on markets. Heirs receive remaining FIA value and portfolio.

$150k Annuity (Balanced)

Low Risk FIA w/ LTC Rider Dividend Equity

Allocation	Amount
Lifetime Income Annuity (FIA)	$150,000
Dividend Equity Portfolio	$98,000
Cash Reserve (liquid)	$15,377

Guaranteed Income (SS + annuity)	~$2,260/mo
% Needs Covered by Guarantees	~65–70%

Why choose this?

Middle ground—steady paycheck plus larger dividend equity sleeve for distributions and growth.

$125k Annuity (More Flexibility)

Moderate Risk FIA w/ LTC Rider Dividend Equity

Allocation	Amount
Lifetime Income Annuity (FIA)	$125,000
Dividend Equity Portfolio	$123,000
Cash Reserve (liquid)	$15,377

Guaranteed Income (SS + annuity)	~$2,085/mo
% Needs Covered by Guarantees	~60–65%

Why choose this?

Maximum flexibility & dividend potential; more market reliance to fill the income gap.

G.R.A.C.E. Summary

G — Guaranteed Income: SS ~$1,200/mo + FIA income (per scenario) delivers a durable paycheck for life.

R — Reserves & Insurance: Debt eliminated; camper funded; cash reserves ~6–7 months; Modern Woodmen unlock can refill reserves later.

A — Asset & Income Growth: 100% equity—dividend focus (defensives, dividend growers, REITs, with small/growth diversifiers) to support consistent distributions + long-term growth.

C — Comprehensive Tax Planning: No more CD 1099 spikes; annuity growth tax-deferred; manage equity withdrawals to keep you in a low bracket; consider small Roth conversions.

E — Estate & Legacy: Beneficiaries on FIA and accounts; update will & POA/HC directives; heirs receive remaining FIA value and equity balance.

Next Steps

Select the annuity size you’re most comfortable with: $180k / $150k / $125k.
We’ll open the FIA, invest the dividend equity sleeve, and confirm your cash reserves.
Set up your income plan (guaranteed + portfolio distributions) and review annually.

Schedule Zoom to Finalize Download PDF Snapshot

The FIA includes an enhanced benefit rider that can increase income during qualified long-term care needs. If God calls you home early, remaining FIA value passes to your heirs.